# PayEm vs Payy

The clearest difference is review sentiment: Payy at 65% against PayEm's 0%. Payy also leads on update cadence (weekly vs monthly) and rating (4.1 vs 3.9). PayEm's advantage is iOS requirement (11.0 vs 15.5). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Payy holds the better App Store score, 4.1 against 3.9. Both are backed by a comparable volume of ratings — 8 and 35 respectively. Written reviews point the same way: 0% of PayEm's written reviews are positive against 65% of Payy's.

PayEm ships an update monthly, Payy weekly. The most recent releases landed on October 8, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | PayEm | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (8 ratings)](https://appshunter.io/ios/app/payem/id1469184606/reviews) | **[4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews)** |
| Number of ratings | 8 | **35** |
| Positive reviews | 0.0% of reviews | **65.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | Free |
| Size | 46 MB | 130 MB |
| Requires iOS | **11.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayEm Card Ltd](https://appshunter.io/developer/1469184605) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## What reviewers say

### PayEm

[App page](https://appshunter.io/ios/app/payem/id1469184606)

Manage company expenses on the go. Request funds, pay with shared cards, and easily upload receipts directly from your mobile device. This platform provides convenient access to financial tools for employees.

**Highlights:** Request funds, Pay with shared cards, Upload receipts, Access company finances, Mobile expense management

**Features:** macOS Compatibility

**In-app purchases:** none


### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PayEm free?

PayEm is free to download, with no in-app purchases.

### Is Payy free?

Payy is free to download, with no in-app purchases.

### Which has better reviews, PayEm or Payy?

Payy is rated higher. PayEm averages 3.9 out of 5 from 8 ratings, while Payy averages 4.1 from 35 ratings.

### Do PayEm or Payy have ads?

Neither PayEm nor Payy shows ads.

### Which is updated more often, PayEm or Payy?

PayEm ships an update monthly, and Payy weekly. Most recently, PayEm was updated on October 8, 2026 and Payy on October 16, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*